Our Company

Heritage Financial Services, LLC

Heritage Financial Services was founded by Stew and Steve in 2003, and from the beginning, our company mission has been to provide our clients with holistic and highly personalized financial advice combined with an exceptional level of service. Our independent approach and decades of combined experience have helped us to navigate the ever-changing financial landscape, and having grown exclusively by word of mouth and client referrals, we now advise approximately $500 million of client assets*. With a focus on multigenerational family planning, we have been fortunate to grow with many of our clients over the years, eventually working with their children and grandchildren, and ultimately helping them leave a heritage to be proud of.

Our team has experience in investment management, financial planning and consulting, retirement plan development, insurance, and estate preservation and transfer. We are truly independent and without proprietary alliances, giving us the freedom to search the marketplace for the best available solutions and offer consultation without charge to determine where our services may be needed.

*As of March 17, 2022

Stewart R. Moscov, CLU®, ChFC®

Advisor, Founder

Stew has over 50 years of investment management, insurance, and financial services experience. A trusted advisor to many individuals and companies both locally in the Rochester, New York area and across the country, Stew is one of the primary strategists for Heritage Financial Services. With two children and five grandchildren, Stew keenly understands and appreciates the importance of family and planning for one's future. In his free time, he enjoys weekends in the Thousand Islands fishing, golfing, skiing, and spending time with his family. Additionally, to help better serve our southern clients during the winter months, Stew frequently works out of our satellite office in Estero, Florida.

Accolades:

Chartered Life Underwriter^® (CLU^®)
Chartered Financial Consultant^® (ChFC^®)
BS in business administration from Bryant University
FINRA Series 1, 63, and 65 registered (held through Commonwealth Financial Network^®)
Life and health insurance licensed
Past president of the Estate Planning Council of Rochester
Past president of the Rochester Life Underwriters and a Rachel May Swaim Award recipient, the highest honor given by the Rochester branch of the National Association of Insurance & Financial Advisors
14-year member of the New York State Life Underwriters Board of Directors
Past industry instructor for insurance and financial services
Life and qualifying member of the Million Dollar Round Table, more than 40 consecutive years of membership and Court of the Table awards in 2005 and 2006*
Several charitable advisory boards and committees

*Million Dollar Round Table membership inclusion is based upon eligible commissions from fixed/variable products, eligible premiums, or annual gross income. Top of the Table qualifiers have reached a minimum: $558k in commission, $960k income, and $1.116 mil premium. For more information, please visit www.mdrt.org.

Steven J. Kane, CFP®, MBA, AIF®, CPFA

Advisor, Founding Partner

Steve's experience in the financial services industry began in 1997 after completing his MBA at the Rochester Institute of Technology. He became a CERTIFIED FINANCIAL PLANNER^TMpractitioner in 2000 and has experience in estate planning and employee benefit consulting, as well as an extensive history in insurance, investments, 401(k) plan administration, compliance, and financial planning. Steve became an Accredited Investment Fiduciary^® in 2011, a Certified Plan Fiduciary Advisor in 2021, is a member of the Financial Planning Association of Western New York, The Estate Planning Council of Rochester, and is the supervising principal for the branch.

Steve is an avid cyclist, spending a lot of his free time either road or mountain biking, as well as using his cycling to raise money for a variety of charities over the year. Steve also loves to travel, having been to all 50 states and five of the seven continents. His pride and joy are his two children. His son is working for Monroe County Parks as well as being one of the partners in a local tree service business, while his daughter is working in social media marketing and recently got married in 2023 to her childhood sweetheart and they currently live in St. Petersburg, Florida. Steve recently married his best friend Bridget in 2021, who is starting a new career as an event planner and property manager after years of owning her own daycare. Bridget has three daughters embarking on careers. Her oldest is working her own childcare center as well as moonlights as a local chef while her middle is living in NYC starting a career in film, and the youngest works locally for a coffee warehouse and is pursuing further schooling. Bridget and Steve are enjoying blending into a new modern family.

Accolades:

CERTIFIED FINANCIAL PLANNER^TM (CFP^®) professional
Accredited Investment Fiduciary^® (AIF^®)
Certified Plan Fiduciary Advisor (CPFA)
MBA from Saunders College of Business, Rochester Institute of Technology
MS in education from Nazareth College
BS in finance from Ithaca College
FINRA Series 6, 7, 24, 26, 63, and 65 registered (held through Commonwealth Financial Network^®)
Life and health insurance licensed
Supervising principal (OSJ)

Joshua S. Moscov

Advisor, Partner

Prior to joining Heritage Financial Services in the spring of 2014, Josh spent nearly 20 years in various executive management and sales roles in enterprise software solutions, professional services, and technology. He held sales, marketing and operational leadership positions at PAETEC, Frontier Communications, and Pharos Systems International. Josh gained international business experience traveling throughout Europe and Africa as a sales executive for Veramark in the late 1990's. Always with a passion for financial markets, and the desire to maintain his father's legacy in the investment business, Josh is now a managing partner of Heritage Financial Services. Josh enjoys skiing, golfing, traveling, playing guitar, and spending time at his summer retreat on Sodus Bay with his wife Chrissy and two children Leah and Bode.

Accolades:

BS in business administration from Bryant University
FINRA Series 7 and 66 registered (held through Commonwealth Financial Network^®)
Life and health insurance licensed
Nominated for 2007 Sales Director of the Year for the nationally recognized Stevie^® Awards
Founding member of the Verona Street Animal Society

William G. Dostman III, CFA®, CFP®

Director of Investments, Advisor, Partner

Before joining Heritage Financial Services in the spring of 2016, Bill was the head of U.S. equity management at, and part owner of, an independent RIA with more than $2 billion in assets under management. Beginning his investment career in 2005, Bill has firsthand experience managing assets through a wide array of market environments. With a strong understanding of both traditional and alternative investments, he is an extremely valuable member of the Heritage Financial Services team. Outside of the office, Bill enjoys spending time with his family, traveling, reading, and "friendly" competition.

Accolades:

Chartered Financial Analyst^® (CFA^®) charterholder
CERTIFIED FINANCIAL PLANNER^TM (CFP^®) professional
MBA from Simon Business School, University of Rochester
BS in business administration from Whitman School of Management, Syracuse University
FINRA Series 7 and 66 registered (held through Commonwealth Financial Network^®)
CFA Institute and CFA Society Rochester member

Kandra L. Youngman, FPQP®

Senior Financial Planning Assistant

Kandra has over 30 years of experience in the financial services industry focusing on operations, customer service, and client education. Joining Heritage Financial Services in 2004, Kandra has become a key resource to all of our clients in helping them manage their day-to-day administrative needs. Kandra enjoys taking classes at the gym, spending time with family, and watching football with her husband.

Accolades:

Financial Paraplanner Qualified Professional^TM (FPQP^®) designee
AOS in executive secretarial program from Bryant & Stratton College

Constance A. Dragoone

Director of Client Services

Connie joined Heritage Financial Services in the spring of 2019, bringing more than 25 years of diverse and valuable experience. Connie has held administrative roles within several different industries around the Rochester area. She began her career in the office of a warehouse distribution center for a national pharmacy/drugstore chain, moved on to a home health care agency, and then an enterprise software solutions company. Connie loves spending time with her family and friends, following her favorite professional and collegiate sports teams, watching movies, and attending concerts and festivals.

Cooper D. Crunick

Investment Associate

Cooper received a B.S. in Financial Economics from Binghamton University in Spring of 2023 and started at Heritage Financial Services in June 2023. He played several years of college baseball (Binghamton & Cortland), and he enjoys traveling, going to sporting events, golfing, and spending time with friends and family.

Accolades:

BS in financial economics from Harpur College, Binghamton University
FINRA Series 7 and 66 registered (held through Commonwealth Financial Network®)
Life and health insurance licensed

Emily E. DiMuro

Administrative Assistant

Emily is thrilled to be a member of the team at Heritage Financial Services after gaining administrative and customer service experience in various settings including an optometrist’s office, a consumer photo gifting company, and as an event planner and teacher. Emily loves helping people and she is passionate about music; she is the woodwind instructor for the Eastridge Lancer Marching Band, as well as she performs with and manages social media for the Prevailing Winds Quartet. She is proud to give back to the community by instructing the students in East Irondequoit and by performing for residents in retirement homes and at other events throughout Rochester. Emily’s favorite activities include watching movies, cooking, baking, reading, playing games with her family, and going for long walks and playing with her dog, Daisy.

Accolades:

MMEd from The Hartt School, University of Hartford
BM from The Hartt School, University of Hartford